Kuthiwani Ngetyala leNkundla xa iNkampani Yakho ishiya i-401k?
Uninzi lweMali yakho engu-401k nguWakho - akukho nto
Imali yakho engama-401k ihlala iphethe iintlobo ezahlukeneyo zeminikelo. Iminikelo oyibekayo ibizwa ngokuba ngumrhumo wokuhlawula umvuzo. Ezi zihlala zihlala kuwe. Inkampani ayikwazi ukuyithatha le mali.
Yakho ngowomthetho. Uninzi lwezicwangciso ezingama-401k zinezicwangciso zomphathi ohlukeneyo onika inkonzo ngecebo, kwaye abayi kuvumela umqeshi wakho ukuba athathe imali yakho.
Iminikelo yakho yenkampani ibeka kuwe ukuba ibe negalelo elihambelanayo okanye negalelo lokwabelana ngenzuzo. Enye yale mali ingabakho kuwe; abanye abanako. Olu hlobo lenkxaso lungaxhomekeka kwishedyuli yokuthengisela - oko kuthetha ukuba unako ixesha elide kunye nenkampani, ngaphezulu kwakho loo mali. Naliphi na isabelo somrhumo wakho womqeshi owe-100% onikwe yona. Leyo nxalenye yemali ikhuselekile.
Ingaba nayiphi na yeMali engozini?
Xa wenza igalelo kwisicwangciso sakho se-401k, umqeshi wakho uyaligcina imali kwi-paycheck yakho kwaye uyithumela kwisicwangciso se-401k. Ukuba inkampani yakho ibambelele imali kodwa ivalwe okanye ifake i-bankruptcy ngaphambi kokuba ithumele imali kwisicwangciso se-401k, loo mali yokuhlawula isengozini.
Ngomrhumo ohambelanayo okanye umrhumo wokwabelana ngenzuzo, umqeshi wakho kufuneka afake imali ngexesha lokugqibela lokufakela irhafu kunye nezandiso, ezinokuthi zifike emva kuka-Oktobha wonyaka emva kokuba ufumane umdlalo okanye ukwabelana ngenzuzo. Kwakhona, ukuba bavala okanye bafake iifayile zokuchithwa ngaphambi kokuba benze le diphozithi, awuyi kufumana loo nxalenye yemali efunekayo kuwe.
Ukuba unesistim senkampani kwisicwangciso sakho se-401k, kwaye inkampani ayinanto, ngoko ke inxalenye yesicwangciso sakho se-401k ayiyi kuba nexabiso. Enye yezizathu ezininzi ezifanelekileyo zokudibanisa kwi-stock stock.
Ukuba iNkampani Yami ishiya iSicwangciso se-401k, Ngaba ndiya kuhlawulwa iRhafu?
Ukuba iqela lakho livala, iifayile ziphawulwa, okanye zivala isicwangciso se-401k, unendlela eziliqela zokugcina imali yakho engama-401k ngekamva lakho ngaphandle kokuhlawula nayiphi na isohlwayo okanye irhafu yengeniso kwangoku. Unokwenza okubizwa ngokuba yi-rollover, apho uhambisa imali yakho engama-401k kwi-akhawunti ye-IRA . Ukuba isicwangciso sakho se-401k siphelile kwaye umqeshi wakho akasayi kubakho iirhafu okanye izigwebo ezihlolwe kwi-rollover.
Ukuba usebenzela inkampani entsha ene-401k, ungadlulisela imali yakho engama-401k yakudala kwisicwangciso sakho esitsha se-401k. Buza icebo lomlawuli wecebo lakho langoku leemviwo ezifunekayo ukwenza oku.
Unako ukuhlawula imali yakho ye-401k , kodwa le nto ayikho into efanelekileyo. Uya kuhlawulwa irhafu kunye nezigwebo xa wenza oku. Kwakhona, imali engama-401k ngumthengi okhuselweyo, kwaye ngokuyikhupha, uya kulahlekelwa lo khuselo. Uza kuphazamisa iqanda lakho leenyoni. Kufuneka usebenzise i-rollover ye-IRA okanye udlulisele kwisicwangciso esitsha se-401k endaweni yokufaka imali kule mali.
Kuthiwani Ukuba Ndandithathe I-401k Loan?
Ukuba ububole imali kwisicwangciso sakho se-401k , andinayo iindaba ezilungileyo kuwe. Unemihla engama-60 yokubuyiselwa kwemboleko, okanye iya kuthathwa njengesasazo, kwaye iya kuba yinzuzo engenayo. Olu hlobo lokusasazwa luxelwe ekupheleni konyaka kwifomu yerhafu ye-1099-R. Ukuba ungaphantsi kwe-59 1/2, uza kuhlawulwa irhafu yerhafu yokuthoma kwexesha lokuqala ukusasazwa kwongezwa kwiirhafu zerhafu.
Kuthiwani Ukuba Awukwazi Ukufumana Isicwangciso Sakho Esidala?
Unokuba nemali ehleli kwisicwangciso se-401k kumqeshi osebenze ixesha elidlulileyo. Ukuba awukwazi ukufumana loo mqeshi, yintoni enye ongayenza? Umqeshi wakho omdala unokukubeka uluhlu "njengomntu olahlekileyo" ukuze indawo yokuqala ufune ukuyijonga yiRejista yeSizwe ukujonga ukuba ubhalisiwe. Unokuzama kwakhona ukukhangela i-Database yeCandelo eliSebenzisiweyo yeSicwangciso seMisebenzi.